Date Received: 2020-05-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In the statement ending XXXX, I read clearly that the deferred interest balance was expiring on XX/XX/XXXX. In order to pay the deferred interest balance, Barclay 's instructs the cardholder on the statement to pay the minimum payment and any amount above the minimum payment made in the last two cycles before the expiration date will be applied to the deferred interest balance. I called the Barclays helpline on XX/XX/XXXX after looking at my bank statement to confirm that I was in the last two billing cycles. The Barclay 's representative confirmed that I was. After hanging up with the Barclays representative I made the payment that same day for the deferred interest amount {$1100.00} and another payment of {$170.00} to cover the minimum payment. Both payments were processed and reflect in the next statement ending XXXX. The amounts however were not applied to the deferred interest balance only to the regular balance and the expiration date of the deferred interest payment had changed to XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35244
Submitted Via: Web
Date Sent: 2020-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: There are two incorrect things on my credit report, in the experian app it shows that my outstanding debt is {$1500.00} but when I log into my chase app it says that, yes, my total balance is {$1500.00} but my available credit for XXXX of my open accounts are {>= $1,000,000} and and my credit usage 996 % and that I used {>= $1,000,000} of {>= $1,000,000} which is 100 % of that. The other error is that with my Barclaycard whose credit limit was {$1200.00}, I called them right before they closed my account and they never checked their call logs to see that I did call them and they listed my account not as Credit Grantor can not locate consumer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08037
Submitted Via: Web
Date Sent: 2020-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-05
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/XXXX of XXXX I bought a XXXX that costed {$1700.00} in an XXXX store in XXXX, New York. When I was about to buy it, the sales person offered me the Barclay credit card with XXXX rewards. He told me that I could buy the XXXX with it with no interests if i would make more than {$1700.00} in payments before XX/XX/XXXX. I accepted the offer. By XXXX, XXXX I had already made {$1800.00} in payments, which, according to what was said to me, would exempt me from the interests of the XXXX purchase. To my surprise, last XXXX, XXXX, Barclay added {$770.00} in interests to my balance. When I called them inquiring about the sudden surge, they said those were the interests of the XXXX I bought in XXXX. They explained that the {$1800.00} worth in payments made by me didn't count towards the XXXX purchase. I was misled at the time they offer the credit card to me. I have been trying to explain that to multiple representatives, but they seem not te be willing to help. In XXXX, they closed my account and placed the debt in an in-house collection department. Meanwhile they are still increasing my debt by adding penalties and interests every month. On XX/XX/XXXX I call them again, and the representative told me that is there is a problem with the interests accrued by the XXXX purchase I needed to meddle that with XXXX, but XXXX said they have nothing to do with it because they are not my creditor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2020-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Used credit card to pay a shipping company to transport a pallet of boxes from XXXX XXXX to XXXX. One time transaction. The shipping company charged me for this transaction. However, 45 days later, they charged me the same amount again, for the same transaction and without my authorization. I disputed the second fraudulent charge with Barclays card immediately after realizing this transaction on my account, but did not receive any favorable resolution. Only a letter stating they could not do anything. I want to file a complaint against Barclay card for misleading customers about fraudulent charge protection when using their card. It is know that banks provide purchase protection, price protection and extended warranties insurance to customers without any additional charges.However in my case, they did not process a claim - even after supplying them with appropriate documentation and proof.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77479
Submitted Via: Web
Date Sent: 2020-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/20 I was notified by my credit card company ( Barclaycard Visa with XXXX rewards ) that fraudulent charges may have been made on my account. I confirmed that the cards in question under my name and my deceased husbands name were stolen when someone broke into my home that day. The company said they would cancel all the charges and close the account. They cancelled all the charges but left one charge ( XXXX # XXXX for {$440.00} ) that was on my deceased husbands card and moved it over to the new account. I informed them of the error. They opened a claim ( # XXXX ) with the fraud department and I received a letter in XXXX informing me that it was fraud and I was not responsible for it. However the charge had not been removed and I continue to be charged late fees and interest. I called several times again and was able to get one late fee removed however the charge was still in my account. I called again and they said they had to reopen the case with the fraud department and I received a letter in XXXX informing me that it was fraud and I was not responsible for it, again! And still the charge from XXXX remains on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91762
Submitted Via: Web
Date Sent: 2020-05-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-05
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: COVID-19 arrived. I wrote a nice letter to Barclays, in XXXX of 2020, requesting a 3-month forbearance of payments, interest, and late fees, on my Wyndham Visa credit card. They are still charging my account for payments, interest, and late fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2020-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-05
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/XXXX I enter into a Trial for 2 products with the Merchant XXXX XXXX XXXX for which I paid {$4.00} and {$5.00}, respectively as shown on Credit card statement and for which i never received an email confirmation or receipt. The product was shipped on XX/XX/XXXX and arrived the first week of XX/XX/XXXX. Since i did not like the product neither received any confirmation of my Trial I thought there was no Trial. On XX/XX/XXXX appears on my credit card a second order with two additional charges for two more products {$88.00} and {$89.00} respectively from XXXX XXXX XXXX each dated XX/XX/XXXX. The same day I called Barclays, my credit card company and customer service instructed me to call the Merchant but still opened a dispute closed the current card and open a new one. I called the Merchant, canceled the shipping, the Trial and ask for a refund for the charges. I was told not to worry i will have to wait 10 days for my refund. To this date XXXX XXXX this refund was never issued. On XX/XX/XXXX, I received a letter from my Credit Card Company ( XXXX ) dated XX/XX/XXXX stating that they investigated and concluded " ... The merchant provided shipping details that shows the merchandise was shipped and delivered ... '' The documents show the order on XX/XX/XXXX and a shipping on XX/XX/XXXX Which means the order made on XX/XX/XXXX was shipped on XX/XX/XXXX, therefore they accepted the charges. ( they did not look at the dates and year discrepancy. Its impossible to ship an order that is not even made yet ). On XXXX XXXX I disputed the investigation and sent a letter explaining the facts and making note that the order was not the same and the Merchant was referring to the First Trial order I made, not the second order which I canceled before the product was shipped. I spoke with XXXX on customer service from Barclays and explained the mistake on the dates and he opened the dispute again understanding that I was right. A shipping date appears to be before the order was made. On XX/XX/XXXX I received a letter from Barclays saying that after a further review they are not able to assist me on this credit due to " Services were rendered and the merchant is due payment '' which is not true since i never received the Merchandise and the Merchant XXXX XXXX XXXX can not provide proof of shipping of this second order because it was never shipped and/or received. I have been trying to contact either Barclays Credit Card and XXXX XXXX XXXX with no success after 1 hour on hold with both.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33145
Submitted Via: Web
Date Sent: 2020-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I made a purchase on XX/XX/2018 zero percent interest and supposedly in the fine print, it said if it wasn't paid for within the year then we would get hit with a $ 900+ finance charge. Right now during the world pandemic is when they hit us with that $ 900+ charge. It came from left field because I wasn't aware it was out of the zero percent finance window. Never got an alert, an email, a notice. Just a bill with the extra $ 900+ and when I called they don't care nor want to help. I am a small business owner and this pandemic already took a hit on us and to top things off they want to XXXX us with a finance charge and no show no mercy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2020-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-05
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I had my handyman replace 6 floor tiles in my kitchen. He ended up taking 5 days, used up 40 tiles and charged me {$720.00} for the work as he charges hourly. I have used him for years and felt bad not paying him for his time. The tiles started popping up and were not even sticking to the ground. I had to pay someone else ( who knew what they were doing ) to fix the job and buy more tile. I was now out {$1300.00} for a job that should have only cost {$400.00}. The original tile layer said he already spent the money I gave him and could not pay me back. I then disputed it with my credit card company. ( Barclays/ XXXX XXXX XXXX card ) They then went after his bank and took the {$720.00} out of his account. They put a credit on my account but a month later said they would not help me and charged me the {$720.00}. They said the " merchant '' would not help me as I did not pay the tile layer the correct way. The " merchant '' they are referring to is XXXX. I connected my XXXX XXXX card to my XXXX account so I can have the credit cards protection when I have to pay workers. XXXX charges a large fee for protection if I choose to pay a company and it charges a smaller fee if I pay a friend. Since I have the credit cards protection I paid him as a friend for a service. The credit card company says they did not take the money out of the tile layers account and claim XXXX did. XXXX says they have nothing to do with this. This transaction is between the credit card company and me. XXXX has told the credit card company that they are just a 3rd party and have nothing to do with this dispute and are not the " merchant '' the " merchant '' is the tile layer. I am now out {$720.00} and so is the tile layer. Credit card company is up {$1400.00}. I can not get anywhere with XXXX especially with Covid they will not answer disputes. I have written the company and called about 9 times since XX/XX/2020. Not getting anywhere.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85255
Submitted Via: Web
Date Sent: 2020-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Updated complaint, prior complaint is XXXX I received the response from Barclay bank, from XXXX XXXX, on XX/XX/XXXX. In the response to my complaint there is a statement made that is incorrect. The part of his response was : " On XX/XX/2020, you spoke to one of our representatives who remediated by enrolling your account and scheduled your first payment for {$380.00}, which posted on XX/XX/2020. Also, the representative advised you that once you made your last payment, a settlement completion letter would be sent to you. During that call, the representative read the disclosure, and stated you had the second payment for XX/XX/2020, for {$380.00}, which would complete your settlement. The representative asked if you wanted to schedule the second payment ; but, since you wanted to use a debit card, we advised you that we wouldnt be able too, as it would be applied immediately. The representative advised you there was no second payment scheduled to be debited from your checking account. Also, in your complaint, you stated that you specifically asked that you would not need to call back to make the second payment, unfortunately, we are unable to substantiate your claim. '' I checked the bank that the payment was taken from, and it was NOT taken by card. But rather it was taken as a direct debit, meaning I gave them my account and routing number over the phone when I spoke to the agent. This was the piece of the response that was supposed to address why my payment was potentially mishandled, but in that response there is false information. I did NOT pay by card. I asked if I could pay by card, but when she told me that I could only schedule the one payment by card I then asked to have it a direct debit from my checking account. I'm unsure why I still haven't been provided a transcript or recording of the phone call, because as I've dealt with before, I am again not getting a straightforward answer. This was regarding a settlement that is now allegedly invalid, which I believe is due to Barclay mishandling the payment. They mishandled the payment the first time I spoke with them, so I don't think it is unreasonable to like proof that they handled my second call to set up payments. I again am requesting a transcript or audio file of the two phone calls, and will not pay anything other than the previous settlement, that I believe is still valid due to their mishandling of my payment. I tried to contact XXXX XXXX on XX/XX/20 and today XX/XX/20, but his line goes directly to voicemail. I am NOT content with a pause to payments being the resolution offered, especially since there was false information in the response. I would like for my issue to actually be addressed this time, as I believe the response contained false information, causing me to doubt the validity of the whole response. Again, this could easily be settled by allowing I, the consumer, to be able to hear the recording to substantiate the claims that you are making. I sent a certified letter to the dispute department of Barclay bank as well, and I am still waiting to hear back from that. From the certified mail delivery, they took delivery of my dispute letter today, XX/XX/20 at XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A